World2Cover Travel Insurance

Summary of World2Cover's Top cover

^{Table updated May 2026}

How does World2Cover Travel Insurance cover COVID-19?

World2Cover Travel Insurance offers unlimited cover for overseas medical, hospital and emergency expenses related to COVID-19. This applies to all international plan types. If you have to cancel or amend your travel plans or experience a travel delay, there is also a limited amount of cover under all International and Domestic plans, the Top Cover and Domestic policies.

Other than this, World2Cover Travel Insurance policies have general exclusions for some specific circumstances under its COVID-19 cover that include:

• Travel to a country subject to Do Not Travel advice on the Smartraveller website
• Government or state-regulated quarantine

If you're concerned about COVID-19 ruining your travel plans, we've compared all the providers that offer some cover for pandemic-related expenses.

What policies does World2Cover Travel Insurance offer?

World2Cover Travel Insurance has five different plans available. Its Top Cover, Essentials Cover and Basics Cover will give you greater peace of mind for overseas trips. It also offers an annual multi-trip and domestic plan.

Here are some of the main insured events a policy can cover you for:

Top Cover

Essentials Cover

Basics Cover

Annual Multi-trip

Domestic

The insurance is issued by Tokio Marine & Nichido Fire Insurance Co. Ltd and comes with a cooling-off period and $200 standard excess.

The cooling-off period is 21 days, which means if you change your mind and decide to cancel your policy within this period, World2Cover Travel Insurance will refund your premium in full.

The excess is the amount you're required to pay when you make a claim. It can be reduced to $100 or $0 when you apply by paying an additional premium.

Here's a breakdown of World2Cover Travel Insurance features

Standard features

Got your eye on a World2Cover Travel Insurance policy? Here are some of the key policy benefits included in the Top Cover to help you decide if World2Cover Travel Insurance is the best option for you:

• Accidental death and funeral expenses overseas
• Cancellation fees and lost deposits
• Cash in hospital
• Legal liability
• Luggage loss, theft, damage or delay

• Overseas dental
• Overseas medical and hospital expenses
• Rental vehicle excess
• Travel agent fees
• Travel documents and personal money

Optional add-on

Even the most comprehensive of insurance policies won't include everything, but if there's something that isn't covered as standard, you may be able to pay an additional premium to add extra cover to your policy. Make sure you read the fine print, so you know what you are and are not covered for.

• Cruise cover. For an additional cost, World2Cover offers Cruise cover as an optional add-on to your travel policy. This provides cover for illness, injury, medical and hospital expenses, delay, or cancellation related to your cruise. It also covers other cruise-specific benefits including, cabin confinement, missed port, missed shore excursion, marine rescue diversion, and all other applicable sections of the policy.
• Ski and winter sports cover is necessary if you're planning to hit the slopes during your trip as overseas medical expenses will not be covered otherwise. You’ll also be covered for the costs of hiring alternative skiing equipment if your own equipment is accidentally lost, stolen, or damaged. Additionally, if an illness or injury (including a COVID-19 diagnosis) prevents you from using your pre-booked and pre-paid ski passes, ski hire, tuition fees, or lift passes, you will be covered under the extra ski and winter sports cover.

Exclusions

Before purchasing any insurance policy, you should take careful note of the general exclusions that apply. In general, World2Cover Travel Insurance will never honour a claim if:

• You are deemed to be acting irresponsibly at the time of the incident, or if you or a travelling companion are under the influence of alcohol or drugs.
• You are doing something illegal or breaking any regulation or law when the issue arises.
• Your claim relates to an existing medical condition that you either did not disclose to World2Cover Travel Insurance or that was not approved.
• You're driving a vehicle without the proper licence for the country you're in or are a passenger on a motorcycle or similar with someone unlicensed driving.
• You went ahead with travel plans despite official warnings from the government or mass media.
• You were participating in risky sports or activities (e.g. mountaineering, rodeos).
• Travel is booked or undertaken against the advice of a medical adviser.
• You are travelling to seek medical treatment or review.

Review the World2Cover Travel Insurance Product Disclosure Statement (PDS) for a complete list of general exclusions.

How to make a World2Cover Travel Insurance claim

The quickest and most convenient way to make a claim with World2Cover Travel Insurance is online using their online claim lodgement. Simply follow these steps:

1. Head to www.world2cover.com.au/how-to-claim
2. Choose ‘Register’, or ‘Login’ if you've already registered
3. Complete your claim details by answering all sections
4. Upload any relevant documents to support your claim
5. Submit your claim

Claims are typically assessed within 10 working days.

Frequently asked questions

• Does World2Cover Travel Insurance have an age limit on its policies?

  Yes, travellers from 18 to 110 years of age are eligible for World2Cover Travel Insurance Single Trip plans, and from 18 to 75 for World2Cover Annual Multi-Trip plans. If you do not meet the eligibility criteria, check out our full list of providers who insure senior travellers.

• Can my children be covered under my policy?

  Yes, your children and your grandchildren are covered at no additional cost, provided they are 19 years old or younger, financially dependent on you, not working full time, travelling with you on the entire journey, and listed on your certificate of insurance.

• Am I covered while riding a motorcycle or scooter?

  Yes, you're covered for riding a motorcycle or scooter at no additional cost, provided you have a valid licence and are wearing a helmet.

To make sure you get accurate and helpful information, this guide has been edited by Joselle Delos Reyes as part of our fact-checking process.

Written by

Cristal Dyer

Writer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio